Auto insurance surrender is returned?

One, not all vehicles can surrender, must meet the following conditions:
1, the vehicle insurance policy must be within the period of validity;
2, in the insurance within the period of validity, the vehicle did not report to the insurance company or claim can surrender, received compensation from the insurance company vehicle cannot surrender; only report to the insurance company did not get compensation vehicles also can not surrender.

What are the two reasons, automobile surrender?
1, according to the provisions of scrapped automobile;
2, the car sold to others;
3, repeated insurance, as the same car insured for two copies of the same insurance;
Less than 4 of the insurance company, insurance company, want to change.

Three, the automobile surrender procedures
1, to the insurance company to submit the application for refund. Write an application, that portion of the reason and began to surrender from what time, signed or stamped with the chapter, give it to the insurance company's business management department.
2, by the business management department issued by an insurance company to surrender the number of single. The insurance company according to the refund application form issued by a number of single surrender, surrender time stated above and should return premium amount, at the same time to recover your car insurance policy.
3, the financial sector should be returned to the insurance premium for insurance company. With the surrender of single and ID card, go to the insurance company's financial department should be returned to the insurance premium.

Four, surrender should take what documents?
1, the surrender application: stating the reasons and time of surrender, the owner is the unit to be sealed, individual is required to be signed.
2, the insurance policy: the need for original. If the insured is lost, should submit.
For 3 of the invoice, insurance fees: general need the original, sometimes also can copy.
4, the insured's identity: the owner is required to business license units, individuals need to ID.
5, the reason that surrender documents:
A, because the vehicle scrapping and surrender, need to provide retirement certificate.
B, because the vehicles sold to others and surrender, need to provide proof of transfer.
C, because of duplicate insurance surrender, need to provide each repeated two insurance policy. 　　
D, because of the insurance company at the surrender, without proof.

Five, how to calculate should return premium?
The insurance company shall be calculated from the premium paid by the insured is the insurance amount, less insurance has come into the time insurance companies should charge premiums, the remaining balance is to be returned to your insurance premiums.
The calculation formula is as follows: to be returned premium = real premium should collect insurance. Surrender is the key to calculate the premium charged. General monthly insurance every month, date, received 10% of the premium, less than a month by month calculation.
For example: a January 1, 1999 entry into force of the Santana car insurance, the insured the premium paid 4810 yuan, in March 10, 1999 the car was sold to others and surrender. Insurance is in force for 2 months and 10 days, surrender by 3 months calculation, the insurance company shall charge a 30% premium, namely: 4810 * 30% = 1443 yuan; should return premium: 4810 - 1443 = 3367 yuan.